Coupon bank-deposit book.



ACCOUNT N0.

50 40 20 28,50 200123555: man CLUB TERM CLUSES JUNE 2n.|9|4

TIII OUTING SAVINGS CLUB AMOUNTS T0 BE DEPOSITED AND DEPUSIT DATES.

THE OUTINC SAVINGS CLUB IVI. B. BARKLEY.

COUPON BANK DEPOSIT BOOK. APPLICATION FILED OCT. I6, 1914.

Patented Oct. 24, 1916.

Fig. 2.

THE OUUNG SAVINGS CLUB AMOUNTS TO BE DEFOSITEB AND DEPOSIT DATES. E

CCOUNT N0. COUPON NO CORFGRATION, GF 'EVU' YGRK.

LUIEE'TS, T0 THE BANKERS SERVICE ELATIIG' MENU YRK.

Specification of Letters Patent.

N, Yi. A GRTEL?- OST BOOK.

Appcation filed Ucober 16, 19M, Serial No. BGSQM To all N'zom 15'1112041/ con m B0 it known thin, i, i ianniLL i5. Qimmy? u, Citizen (ifthe, United Si'ntcs of America, und :i residu-,ni n ,iolyokg county 0illiunip den. iiuic of fissiiclnsctts: have inverni" certain new anduseful mpi'nviiineinis in Coupon Brink-Deposit innii', ni' which thefollowing; is; :l Sinziziiicninn.`

Thi in\' \,i1iiinn ioiziiis i0 that dass; of timeiving d. 'CCS whichzur@ nscd im mp0 dit@ sind simplify iliw nfi'ucing 0i" unan mi' :isci'iiis of f pui-:ifo mit i-izited imnsmsti nsi 0r (leinii puits oi' :ii';ii1:`;:iv!1ii n, und iii@ ifeping (if :i iccnifi thereof, anninicn'i; pur-- ticnifn-iy to 'mediada' :uni systems im; immiiingf special0i' soi-nils@ club 7 :www 'i iii ind i1@ custiiinei's" iepnxiii bunks'i'ni" in ifonnctinn with such systems.

iii-Q, has fswioped i-Qcvniy in banking wide, (innizind ifm' 'zii'iuinikinds if special .fnvings mummia known mici-iii mi Chris :in clnb;-;minimun immuun s, ni ingr sii-Jin innfi, und tim likt).T under wh dinach 'msitm' unters ,into :in :figiemnient with tim bunk wherebyspccii/iminimis cine in he deposited :it definite iiinizs, the bank inits ini'n it tlm (expiration of the zig gi'fil'zxe iiieiind, say uit(iiiisinniis time, piiyin; hmm :i certain ammini, usually im pirin-A cin. 'wiiniiy m' in inni :is nnly im :igi'ceii ii sini-,ii ii L i l its; ci

[iiigduiixii xiii@ Charming und iin; li. innig in ordm) i@ biazfnfii'nim' mini imm i' i ziccnnning; und. in inzien innig? um' if; im@ni-i' O'iii "inni ,i iiffrincwi mi i1 'ic ifninii'iinn @if ii, imi-man,

k `si are zinc. Hic main Qiijcis U ibis inYQnLi-on :nie io pi'fiyi'ide:in inipi'ovcci nection with' tim imi ing' 01 a, ments oi' deposits oniiccoun sind 'when pm,

i Syslini foar use in connics nii puy- 'mn inn-3. il@

nui limited incinta inni: nniyA iii slim-vini); ifm'iziin Aji-unil z.Ming tien 'mini minlnv in invitent,

msn?? muy int.

winni wniinn ii nis inwniiiin ili zxivizimi, iin i'nsiziin'n running;i'inni i iin: riiiiu T un Hifi univr il. #Lnb anni cnnpoi.

such as customarily is used on bank books, corresponding',r with theaccount of the person holding the book, for example Account No. 3029.

Each sheet is provided with class designating means preferablyrepresented by a letter, as Class C on the coupon, which designationpreferably appears also on the stub. The class or denomination also maybe and preferably is fuitner expressed r visualized by a characteristiccolor, vvhi h may be imparted to the leaf as a whole or to a certainpart'as, for instance, a broad line or band across the outer end of thecoupon, as shown at 8. In case a band of color is used the printing mayto advantage also be donel in the same color. The obligation, value oramount represented by each leaf, for example $51.00, appears both on thestub and coupon. This amount may be and usually is the same on all ofthe sheets, but may be arranged either in an ascending or descendingscale on successive `sheets depending upon the form or system desired inany particular case.

The stubs are each adapted for recei ting and-for this purpose toreceive a vali/Hitting sign or mark, usually consisting of the name orinitials of a bank clerk, for instance J. Doel The coupon may also bmarked in like mamy rif desired for greater completeness of tie bankrecord. Whenever a payment is made a stamp is impressed on the stub, and`preferably y also upon the coupon, Whiclf stamp includes the word Paidor words of like import, together with the name of the payee, as City Ntional Bank, andthe date of actual payment.- A definite space 9preferably is provided on the stub to receive the validatingsignature'.- A' space 10 for like purpose may also be rovded toadvantage on Vthe coupon to facilitate makin(r the coupon recordcomplete andto identify the clerk who received the payment. Wheneverl a`payment is made the coupon is removed by the payee or bank clerk andretained as a deposit slip, or if preferred may be used to supplement anordinary deposit slip. In `any case the coupon serves as a quick andready means for recording the specific payment so far as the bank isconcerned, while the validated stub -serv'es asa receipt in the hands ofthe depositor.

The table 7 on the cover shows the datesl week., and the monthly columnshows 4the aggregate sum due for each particular month. 'l`he tableindicates the current year, and also states the date when the club termcloses. The total deposit agreed upon is also shown in connection withthe table. 'l'he amounts shown in the weekly column whether all alike orin a progressivc seriesl correspond with the amounts on the stubs andlcoupons represented by the numbers respectively in the coupon numbercolumn. lt will be understood that while the table is not anindispensable adjunct to the stubs and coupons, it adds greatly to theconvenience and value of the system as a whole, and Should be included.rl`he monthly column is useful in case it may be desired at any time tomake payments monthly in advance.

One of the main advantages of thc system covered by this invention asused by banks is its facility for handling a large number of customersin a short time, as is necessary in rush hours, the coiipons serving; asa temporary record, which -aipons may be collected hurriedly in a largequantity and subsequently sorted and the amounts posted to the properaccounts. A further advantare is derived by the use of the table in thatenables the hol-der to determine readily for himself at any time theexact condition of his account and thus `prevent' inadvertent neglect ofpayments as they become due. An advantage derived from having the stu-bsand coupon-srecei'pted in longhand is that likelihood of fraud isovercome. The coupons may be turned over to an accountant for posting as-Soon as received and by balancingaccounts daily a check may be keptA oncash received, which is important,

for experience has shown that failure to` prove suchv accounts dailysoon results in the club accounts being thrown out of balance.

The outer side of the cover` is preferably colored to correspond withthe class of theaccount.

The books may be, and in most cases preferably are, made of such sizeand weight as to be mailable under tivo-cent postage,4 together with thecurrent deposit due, whereby in some4 instances inconvenience and lossof time are avoided on `the part of they depositor.

Although but one specific' embodiment'of this invention has beenhereinshown and described. it will be understood that numerous details of theform and arrangement shown may be altered or omitted Withoutdepartingrfrom the spirit of this invention as defined b v the following claims.

l. A deposit book, adapted to indicate the amounts paid and to bt paidby a depositor or a banks customer, e ymprising a plurality neuen/ie ofsheets, each sheet consisting of u stub and a detachable coupon, thestubs and those coupons which remain attached to be held by thedcpositor until the account is closed, the stubs and coupons throughoutthe book bearing a common designating mark and being likewise seriallynumbered, and each stub having a space i'or the reception ofa'validating signature.

:2. A deposit book adapted to indicate the amounts paid and to be paidby a depositor .or a banks customer, comprising a. plurality of sheets,tach sheet consisting of a stub and a detachable coupon` the stub andthose coupons which remain attached to be held. by the depositor untilthe account is closed,l the stub and coupons throughout the book bearingan imprint indicating a speciiic moneyv value, each stub und couponthroughout the book .likewise bearing a common designating mark andbeing serially numbered., and each stub having a space left thereon forthe reception of a validating signature, said signature heilig appliedto each stub by a bank otticial as the corresponding coupon is detachedand retained by said oiiicial as a bank record.

3. A deposit book adapted to indicate the amounts paid and to be paid bya depositor or a banks customer, comprising a plurality ot' sheets, eachsheet consisting of .a stub and a detachable coupon, each stub andcoupon bearing en imprint indicating a specic money-value, the stubs andcoupons throughout the book bearing a common designating mark andlikewise being serially numbered, and the ,stubs having a space left,thereon for the reception of avalidatin.,signatuie adapted to beappliedby ebank o cial when the corresponding coupon is detached; und a.table bearing serialnumbers corresponding to the serial numbersaforesaid and the amount of the money-vaine upon the seriellynumberedsheets, said numbers and moneywsiue desir?"- nations being grouped intotime perio `s, with the total money-value for euch group seperatelyexpressed, the book containing the validated stubs and those couponswhich remain attached to be held. by' the depositor until the uli amountculled tor' by the book has been deposited, or the account closed.

li.. A deposit book for assisting in the corrying out ot :imulti-partite business trans action, including obligations of serial,periodic character, comprising in combination a plurality of sheets eachincluding a, stub and a coupon, each ot said stubs und coupons having animprint indicating, in any desired terms, a specific port of anobligation to be carried out or performed at at given time,

and each also having like, designating means..

and corresponding sheet portion having corresponding imprints toindicate the specic act of payment to be made in connection therewith,the coupons being arranged in urithmetical series and bearing a commondesignating mark.

G. A deposit book, adapted to indicate the amounts paid by a depositoror a banks customer, comprising a plurality of sheets and detachablecoupons, the sheets and those coun pons which remain attached to beheldby the depositor until the account is closed, each o't said couponshaving an imprint indicating in any desired terms a specific part oi anobligation to be carried out or performed at a given time, and eachcoupon as well as that part ot' the book retained by the depositor'having like designating means.

7. A deposit book, adapted to indicate the amounts paid and to be paid.by a depositor or a banks customer, comprising e plurality of sheets,each sheet consisting ot ai stub .and a detachable coupon,l the stubsand those coupons which remain attached to be held by the depositoruntil the account is closed, the stubs and coupons throughout the booirbearing a common designating mark and being likewise serially numbered,and euch stubhaving a space for thev reception ot u validating mark.

8. A. deposit book, adapted .to indicate the amounts paid and to be paidby a, depositor or a banks customer, comprising a plurslity oi sheets,each sheet consist-ing of e stub and a detachable coupon, the stub andthose coupons which remain attached to be held by the depositor untilthe account is closed, the stubs and'coupons throughout the boolr beuring an imprint indicating a specific moneyl ruine, cach stub and couponthroughout the' book likewise bearing e common designating mark andbeing serialiy numbered, und eue -stub having a space left'thereon forthe re ception oi" u validating merli", seid merk be-v ing applied toeach stub by e bunk odioiel as the corresponding coupon is detfiched undretained by said oiicial as n, bank record.

Signed at'Holyolre this 9th day of' @ctober, 1914.

MERRlLL B. BARMJEY. Witnesses:

Annu; C. ltoonnr, @nonni-i .du Fnnnrmu.

lit)

